Dog Insurance

For Unexpected Moments with Your Pooch

Our dogs love to get involved with anything and everything and explore whatever they can get their paws on! The last thing you want to worry about is unexpected vet fees while your dog is enjoying their best life, so it's important to get them insured.

Why insure your dog or puppy with PDSA Dog Insurance?

You need peace of mind that your dog is covered in the event of an emergency, which is why there are plenty of benefits included with PDSA Dog Insurance.

  • Dogs insured from eight weeks old 
  • Pay monthly at no extra cost 
  • Lifetime policies cover conditions your dog develops while insured, for life* 
  • The choice to pay your vet directly if you need to claim^ 
  • If your dog goes missing, some policies help with local advertising and reward costs 
  • Dog policies with third party liability cover**
  • 24/7 access to our veterinary helpline
  • Your policy can be used at any vets so you can continue to use your own registered vet as usual
  • And by purchasing a policy you are contributing to our life-saving charity work

Every dog insurance policy sold contributes to our life-saving charity work, which helps pets like Nelly

Meet Nelly

cute puppy

Eight-year-old PDSA pet patient, Nelly, needed emergency treatment at Wolverhampton PDSA after a freak accident left her caught under the wheels of a van. The impact of the accident caused a severe injury to Nelly’s back, and without PDSA her owner, Debby, wouldn’t have anyone else to turn to.

Read Nelly's story.


Our charity Pet Hospitals see nearly 800 cases a month that require emergency surgery, so it's not uncommon for our beloved pets to become sick or injured. PDSA Dog Insurance can provide you with peace of mind if anything should happen to your pet.

It is your responsibility to cover the cost of healthcare for your dog. When welcoming a pet into your life, you need to make sure you can afford the cost of any treatments they might need during their lifetime. Dog insurance can support you should you need to pay for vet bills.

Ready to cover your four-legged friend? Get a PDSA Dog Insurance quote.

PDSA Dog Insurance provides a range of useful benefits, giving you peace of mind that your dog is covered in the event of an emergency, including:

  • Veterinary fees
    • MRI costs
    • CT scan costs
    • Complementary therapy
    • Physiotherapy
    • Overseas veterinary treatment
    • Dental crowns, root canals and fillings
  • Third party liability
  • Death from illness, accident or injury
  • Theft or straying
  • Holiday travel cover
  • Your hospitalisation and boarding fees (Lifetime cover only)

For more information on our policies and their benefits, take a look at our policy page.

Dog insurance can provide reassurance for those unexpected trips to the vet, but there are a few routine treatments that insurance doesn't cover. This includes:

Pet insurance also does not cover pre-exiting conditions. A pre-existing condition would be a condition, symptom, illness or injury your pet is suffering or has suffered from before you take out a policy. Any conversations that you’ve had about your pet’s health or behaviour with a vet or other professionals would also be taken into consideration and would be considered as a pre-existing condition, even if your pet did not receive treatment at the time.

For accidental injury or poisoning, you will not be covered for the first 3 days of your policy. For illnesses, you will not be covered for the first 14 days of your policy. Switching to PDSA Pet Insurance? If you can prove your previous cover runs up to the policy start date, we can waive this for you.

Lifetime Dog Insurance is the most comprehensive type of policy you can get for your dog. It covers a range of illnesses and injuries that can occur at any time throughout their life, including both one-off and long-term conditions. This means that if your dog develops an illness after you take out your insurance, they’ll be covered for that condition for as long as your policy remains active. This differs from Time-Limited policies, which only cover treatment for illnesses and injuries for up to 12 months.

Lifetime Insurance covers your dog up to the amount you select each year for illnesses and accidents combined, and renews annually. Lifetime policies tend to cost more than other policies, as they cover conditions for your dog’s life. If you’re looking for pet insurance for dogs that covers ongoing conditions, Lifetime Dog Insurance is a good option.

For more information about the dog insurance policies and levels of cover available, take a look at our policy page.

It’s difficult to say exactly how much your dog’s insurance will cost, as there are lots of different factors including your dog’s breed and age, and the type and level of policy that you choose.

You can take a look at our policy page to find a cover level that works for your needs and budget or, to get an accurate cost for your dog’s cover, you may find it helpful to get a dog insurance quote.

Yes, if your dog’s dental work is due to illness or injury, then it will be covered. This now includes the cost of dental crowns, roots canals and fillings. Remember, in order to be covered for dental work, you will need to keep up with your dog’s annual dental check-up with your vet, and follow any advice they provide.

No, it isn’t a legal requirement to insure your dog, but as an owner, it is your responsibility to cover the cost of your dog’s healthcare. Insurance for dogs provides peace of mind for those unexpected visits to the vet by supporting you with the cost of medical expenses. PDSA Dog Insurance also includes third-party liability** providing cover in case your dog causes accidental injury or damage to another person or their property.

Yes, you can insure your dog from 8 weeks of age with PDSA Puppy Insurance – the sooner you get your puppy covered, the better!

There is an upper limit to start a new policy for most dogs is their 8th birthday, but for some breeds it’s their 5th birthday.  Once your dog is insured, cover can continue beyond these age limits, subject to the terms and conditions of their policy.

With PDSA Dog Insurance you’ll need to continue to use your own registered vet as usual. Every PDSA Dog Insurance policy sold does however contribute to our life-saving charity work and helps us to treat poorly pets in need.

We do not cover any dog that must be registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) Regulations (Northern Ireland) 1991, or any American Bulldog, American Indian Dog, American Pit Bull Terrier, American Staffordshire Terrier, American Bully, Bandog, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolf Hybrid, Wolfdog, XL Bully, or any dog crossbred with any of these breeds.

While we cover Akitas, Japanese Akitas Neopolitan Mastiffs, Cirneco Dell Etna, Dogue de Bordeaux, Korean Jindo, Mexican Hairless (Standard), Mexican Hairless (Intermediate), Mexican Hairless (Minature), Northern Inuit, Portuguese Podengo, Segugios Italiano, Shar Pei and Utonagan, we will not cover them for Third Party Liability.

*Subject to lifetime policy renewal. 
^Providing your Vet agrees to be paid directly
**Third party liability cover is not available for Akitas, Japanese Akitas, Neapolitan Mastiffs, Cirneco Dell Etna, Dogue de Bordeaux, Korean Jindo, Mexican Hairless (Standard), Mexican Hairless (Intermediate), Mexican Hairless (Minature), Northern Inuit, Portuguese Podengo, Segugios Italiano, Shar Pei, Utonagan, and crossbreeds of these dogs.
~ Full T&Cs apply

PDSA Trading Limited is an introducer appointed representative of Pinnacle Insurance plc which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. PDSA Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance plc. PDSA Trading Limited and Pinnacle Insurance plc are not part of the same corporate group. 

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